The Opportunity

This role targets an experienced Individual Disability Income (DI) Underwriter who values sound judgment, decision making authority, and meaningful work. You will underwrite complex DI cases from start to finish, partnering closely with the field while maintaining the independence needed to make high quality decisions. The environment is fast paced, varied, and grounded in solid underwriting fundamentals, with real autonomy and trust in your expertise. Location: Remote in Boston, MA 02112. The role is 100 percent remote and can be performed from anywhere in the United States.

The Team

Join a close knit, seasoned DI underwriting group where collaboration is genuine. Underwriters here lean on one another, share perspectives, and respect different approaches to risk. Our culture emphasizes resilience, open communication, and comfort with ambiguity. We are undergoing a broader digital transformation, including a future underwriting system upgrade. Transparency matters to us, and we are investing in the long term evolution of how underwriting gets done.

The Impact

Your work directly affects outcomes for customers, distribution partners, and the business. Your underwriting judgment will be heard, respected, and relied upon. This position is for underwriters who want to continue refining their craft, stay close to the work, and grow through complexity, while being supported by leadership that understands DI underwriting and values long term expertise.

Key Responsibilities

Underwrite individual disability income cases end to end, applying sound judgment to accept, modify, or decline risk across medical, occupational, and financial dimensions.
Partner closely with agents, brokers, and field partners to clearly explain decisions and facilitate thoughtful placement of business.
Balance quality underwriting decisions with service expectations, exercising discretion in a fast paced environment.
Collaborate with peers and stakeholders to gather information, assess risk, and continuously improve underwriting outcomes and processes.
Demonstrate the ability to work independently amid ambiguity while contributing to a collaborative, relationship driven underwriting culture.

The Minimum Qualifications

High school diploma or GED
5+ years of proven success underwriting disability insurance in a fast paced work environment
$7K+ approval authority in disability insurance underwriting

The Preferred Qualifications

Bachelor’s degree
8+ years of proven success underwriting individual disability insurance in a fast paced work environment
Approval limits of $10K+ IDI, $15K+ BOE, $250K+ Buy/Sell without a second signature
Business Overhead and Buy Sell disability underwriting
Third party distribution, bank, or wire house underwriting experiences
Industry exams completed, i.e. ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF
Demonstrated knowledge of all aspects of risk selection (medical, non medical, financial)
Ability to think critically, problem solve using data to drive toward resolution
Positive, inclusive, agile, and collaborative mindset
Strong verbal and written communication skills

What to Expect as Part of MassMutual and the Team

Regular meetings with the DI Underwriting Team
Focused one on one meetings with your manager
Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQ, veteran and disability focused Business Resource Groups
Access to learning content on Degreed and other informational platforms
Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits
#LI-Remote #LI-JA1

Underwriting Consultant - Disability Insurance

Job Description